Sarah Harris
Summary
Detail-oriented and adaptable professional with 7 years of experience in the SBA industry. Strong analytical, communication, and teamwork skills. Proven ability to quickly adapt to new environments. Committed to contributing to team success and further developing professional skills. Brings a positive attitude and dedication to continuous learning and growth. Demonstrates a proven ability to handle multiple tasks effectively and efficiently in fast-paced environments.
Overview
10
10
years of professional experience
Work History
Senior SBA Underwriter
Chatham Business Capital a division of First Chatham Bank
07.2021 - Current
- Responsible for underwriting SBA loans which includes reviewing all borrower financial information, preparing
cash flow models, analyzing credit worthiness and SBA eligibility to recommend loan decisions in a timely
manner. - Examine credit reports, financial statements and tax returns to determine repayment capability.
- Make approval and denial recommendations by determining accurate risk levels.
- Establish collaborative partnerships with team members and borrowers.
- Provide excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Maintain knowledge and compliance with Bank and SBA lending policies and regulatory requirements.
- Oversee monthly sales tracking and prepare monthly reports for management.
- Manage the SBA department's Credit Memo Template.
SBA Underwriter II
Live Oak Banking Company
06.2019 - 07.2021
- Understands how to examine, evaluate, and close commercial extensions of credit, predominately through SBA loan programs
- Analyzes applicants' financial status, credit, and property evaluation to determine loan requests meet the Bank's and SBA's lending criteria
- Maintains a pipeline of 2-4 loans and has achieved proficiency in multiple industries and product types
- Works directly with the Credit Administration and Closing throughout the approval and closing processes
Loan Closing Specialist II
Live Oak Banking Company
07.2017 - 06.2019
- Proficiently closed SBA loans for multiple industries
- Managed an average pipeline of 8-12 deals
- Worked and communicated directly with customers, legal counsels, and referral sources while effectively managing expectations and explaining loan requirements/SBA guidelines
- Reviewed all customer and bank prepared documents to ensure legal enforceability and SBA program eligibility
- Organized loan file and worked closely with Underwriter and Loan Officer to guarantee all conditions have been properly met
Account Administrator
Lumina Wealth Management
08.2015 - 07.2017
- Served as first point of contact for prospective and current clients
- Worked closely with Charles Schwab's regional team in order to provide the highest level of service to client accounts
- Performed various operational activities: facilitate affiliations with third party vendors, quarterly billing of fees, monthly invoicing and payment management
- Assisted the Chief Compliance Officer in keeping the firm and employees compliant with the rules and regulations determined by FINRA and the SEC
Administrative Assistant
First Bancorp
09.2014 - 08.2015
- Remotely supported five financial advisors for First Bank across North Carolina
- Facilitated ongoing client correspondence
- Managed a financial advisor's client base while she was out of office for a 3-month period
- Gathered necessary documentation to open, transfer and service accounts
- Scheduled annual reviews for client accounts
- Created various reports monthly for upper-level management and tracked performance metrics of the financial advisors in the Wealth Management department
- Organized marketing seminars for prospective and current clients
Education
Bachelor of Science - Business Administration, Finance and Economics
University of North Carolina Wilmington
Wilmington, North CarolinaSkills
- Risk Mitigation
- Risk Assessment
- Credit Analysis
- Data Interpretation
- Organizational Skills
- Task Prioritization
- Time Management
- Attention to Detail
- Excellent Communication
- Professionalism and Work Ethic
Timeline
Senior SBA Underwriter
Chatham Business Capital a division of First Chatham Bank
07.2021 - Current
SBA Underwriter II
Live Oak Banking Company
06.2019 - 07.2021
Loan Closing Specialist II
Live Oak Banking Company
07.2017 - 06.2019
Account Administrator
Lumina Wealth Management
08.2015 - 07.2017
Administrative Assistant
First Bancorp
09.2014 - 08.2015
Bachelor of Science - Business Administration, Finance and Economics
University of North Carolina Wilmington
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